# COBRA + Direct Bill by WEX — user reviews > 42 indexed App Store user reviews of COBRA + Direct Bill by WEX by WEX, Inc., rated 1.53/5 from 78 ratings. - Source: https://appshunter.io/ios/app/cobra-plus-direct-bill-by-wex/id1404459135/reviews - App overview in markdown: https://appshunter.io/ios/app/cobra-plus-direct-bill-by-wex/id1404459135.md - Rating breakdown: 5★ 9 · 4★ 0 · 3★ 0 · 2★ 4 · 1★ 57 ## Newest reviews (17 of 42) ### 1/5 — Can’t do anything *2024-11-25, version 5.3.0* You can’t do anything on the app. It’s pretty useless since you have to use a browser to log in and do anything in your account. ### 1/5 — Terrible company terrible app *2024-03-05* The customer service is bad and unprofessional, unwilling to help. They made me pay the insurance that I didn’t receive benefits since they mailed the register package late February which my employer terminated it on 2/4. I didn’t get coverage at all in February, more crazy thing about it, the customer services staffs unwilling to help, gave roundabouts answers, kept repeating the same things over and wanted to hang up. If you have to buy their insurance you will have to pay whatever the month that they set first month despite you have benefits or not, and plus $20 convenient fees each month if you want to pay online. Plus, wait for 15 days for processing. Which means you have to pay first two months insurance fees for half month benefits. This is the worse company and app ! If there is negative rating should be taken instead of 1 star, this company doesn’t deserve a positive rating, not even one star. ### 1/5 — Payment *2023-10-10* I was to have my payment made automatically. Found out on 4th of the month. So went online & made payment, no problem. My Medical Insurance is stating EXPIRED & I’m getting online statements for bills!! Can’t log into App! States no internet connection, yet any other app works just fine! Frustrating!! ### 1/5 — Nonfunctional *2023-10-08, version 4.0* Will not take a correct password from my Keychain. Keeps saying “No internet connection” when I am able to connect on every single other application. ### 1/5 — Incompetent *2023-08-30* This easy to use mobile app fails at every turn. You cannot make elections on the app or on the website. You MUST mail the paper form to Wex. If you call about not being able to use the app or website, they will open a ticket and get back with you in 2-3 days. The service agent will be friendly, but is of little use, unfortunately. Technology passed Wex by many years ago. The app and website do very little to help you and is certainly not user friendly or efficient. With healthcare coverage a major issue with consumers, it is disappointing to see the system and the companies in the system put up obstacles to interfere with access to a basic necessity all the while promoting the system and profiting from such a poor system. It is frightening to know that my healthcare is put into the hands of inadequate technology. ### 1/5 — Scammers *2023-04-17, version 4.0* My dental insurance is $29/month. They want me to pay them an extra $20 every time I make an online payment for a "convenience fee ". How ridiculous. ### 1/5 — Wex might be the last worst company *2023-01-30* It’s 1995 over at Wex. Truly the worst experience of any company I’ve come across in at least a decade. There needs to be an award category just for Wex. There are simply no words. As a corporate design officer, I’d have no idea where to start with this company other than the end of it. ### 1/5 — Doesn’t work *2023-01-24* The app doesn’t register that you’ve picked your elections, so it says you can’t proceed until you need at least one…. But you already have, and it just won’t work. Completely useless. ### 1/5 — Horrible *2023-01-18, version 4.0* This application is horrible so hard to log in ! ### 1/5 — Awful *2022-11-06* To echo everyone else’s comments, this app is terribly made. I’ve been trying to log on for days, and I keep getting a service error message. I called customer service and was instructed to wait a few hours and try again…and if I still can’t login, to send an email. I sent an email and haven’t received a response… I wish I could use another provider but this is who my former employer selected, agh. Wex team, please get it together! I’m not asking for much, I just need to pay my bill. ### 1/5 — Can not log in *2022-10-25, version 3.0001* Poor app, tried for 2 days to log in, said my problem would be solved in 2 hours ### 1/5 — Making everything needlessly difficult *2022-08-31* This app is designed to make it difficult to purchase cobra and easy to miss a payment and have your payment lapse. You cannot save your credit card information. You cannot make automatic payments from your credit card. Each payment requires entering not just your credit card information but needles personal information they already have with login. On top of that they charge you a $20 convenience fee per payment. A class action attorney should look into this. The intent of the cobra law is to allow employees a bridge until they get a new job. This app is like dropping a bomb on that bridge. Employers don’t like offering cobra, they chose the administrator, so the administrator makes it difficult ### 1/5 — Worst app/service *2022-08-09, version 3.0* Who freaken charges 20$ extra for credit card payments. That half of my dental payment. That illegal. And ill be submitting a report with the doj on this ### 1/5 — Horrible *2022-07-10, version 3.0* I have tried to set up but on last page it won’t allow to agree and sign in. I have tried repeatedly and started over but no luck. Now what am I supposed to do? ### 1/5 — Horrible *2022-06-05, version 3.0* During enrollment, the app changed my selection from OB to OB+1, doubling the price of my coverage. Now I have to figure out how to undo it. ### 1/5 — Pointless $20 payment fee *2022-01-13, version 3.0* To whose “convenience” is the $20 online payment fee? Certainly not mine. Essentially makes the app useless plus it looks like it was designed in 2002 anyway. ### 1/5 — Very poor design *2021-12-01* Poor design. When logging in for the first time, the page asks for your information to be entered. One of the fields asks for Member ID. If you fill in this field, it will not work. After 2 hours on hold with Wex customer service, she said “do not fill in this field”. In teeny tiny letters under the words “Member ID” it reads Not Required. Then I remembered I did the same thing last year and had to call Customer Service. Please fix this. My security questions never work. The page does not allow you to see what you entered or give you a page to review before sending. Nonetheless I was sure I entered correctly. It turns out that all dates should be entered with a back slash instead of a front slash. For example, I entered my mother’s birthday as 04/04 like any normal person. It requires you to enter 04\04. Please fix this. ## Most critical reviews (10 lowest-rated) ### 1/5 — Everyone responsible for the app should be embarrassed *2026-06-10, version 315.2.0* Possibly the worst thing about losing your job is being exposed to this app. ### 1/5 — Worst company on earth *2026-04-30* Wex is such a horrible company with a horrible user interface. They don’t care to invest anything into making their products user friendly. They intentionally make this difficult so that it’s not easy to cancel the auto billing once you start. It’s slow and feels like the equivalent of using dialup. Unfortunately since they deal with the most vulnerable populations so they get away with this. I beg of companies to stop using wex to handle the benefit management for cobra. ### 1/5 — The worst app and website I have ever dealt with. *2026-03-10, version 311.1.0* The problems started right at the registration stage: I entered all my information, but nothing happened. I never received any confirmation email. After that, I couldn't log into my account at all. I tried to reset my password — it didn't work. I tried to recover my username - also didn't work. At this point, nothing functions properly, and there is no clear way to move forward. The situation feels completely hopeless because the system simply does not allow you to do anything. This is an unacceptable user experience for something as important as insurance access. ### 1/5 — $20 to make a payment *2025-11-26* Way to kick everyone while their down. Why do I have to login every single time I open the app? Could you put any effort into making this usable for people who just had their life upended? ### 1/5 — SCAM *2025-07-09* I want to personally thank COBRA/WEX for charging me a $20 “convenience” fee in order to pay for my insurance after I lost my job. HOW CAN THIS BE LEGAL. EVEN SETTING UP REOCCURING PAYMENTS CHARGES ME $20. I took a look and the card number is sent untokenized. Having worked in payments, I'm pretty sure this is a PCI violation. Also they are charging, not for card processing (which, to be fair, is expensive) but also for ACH online. This costs them nothing. SHAME ON THESE HORRIBLE COMPANIES THAT PREY ON THE VULNERABLE. Long live Mario and Luigi. ### 1/5 — Awful awful awful *2025-06-24* $20 transaction fees! Per online payment!! In what world does it make sense for a company to charge customers for the ability to pay online but not for mailing in a physical check? It is not possible that the mailed check option is less expensive for the company. This company is so terrible, it’s embarrassing. ### 1/5 — App is a piece of *2025-04-30, version 5.3.0* I chose to accept the “strong” password but it never works. I’ve tried several times to login without success. I’m forced to contact customer service for assistance. ### 1/5 — Don’t trust this app *2025-02-04* Payments do not go through reliably, even though they are automated. Miss a payment due to the app not working and your policy is cancelled until they decide to make an exception. This requires at least 2 hours on the phone and mild hysterics. ### 1/5 — Password can’t be too long! *2025-01-16* I spent weeks unable to login to this app and the website, only to find out my password was TOO long! I reset my password multiple times and used the auto password generator on my phone, I could never get logged in. I then created a simple password 9 characters long and I was able to login! ### 1/5 — Does not work at all *2024-12-17, version 5.3.0* Set user name and password and tried to login several times and always got a failure message. Reset my password and same situation. This app is worse than bad…garba. I’ll try calling tomorrow. ## Most praised reviews (4 highest-rated) ### 5/5 — Easy to use *2022-04-06* Not sure why this has a 1.5 literally took 5 minutes to sign up and purchase cobra. Very convenient. ### 2/5 — Charge $20 convenience fee for each payment and the maximum payment allowed is one month premium. *2026-02-09* The available payment option description is poorly drafted. And there are only two ways to avoid convenience fee; 1. Mail-in check or 2. Use “ACH” auto recurring payments. In which you need a Bank checking account. If pay with credit card, you will be charged additional $20 for each month premium. And you are not allowed to pay multiple months premium at once. ### 2/5 — Unable to log in *2025-04-09* Had not had any issues with the app until yesterday. Suddenly i was logged out and have been unable to log back in on the app since. I did manage to finally get access via the website, but only after it forcing me to change my password from the one I had been using previously. Have stopped paying online due to the additional $20 fee that is charged doing so. Have checks from an address 12 yrs ago i found and have begun mailing in my payment to save myself the $20. It's very difficult to reach a live person by phone who can help you. Like my prior employer, Wex is in it for only the money, not the customer. ### 2/5 — Ridiculous *2019-03-26, version 1.0* Charges you $20 to make an online payment. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*